FAQs

Yes, it does – up to 55 days! As long as you settle your full outstanding balance by the payment due date shown on your statement, you won’t pay a cent in interest on your purchases. This doesn’t include cash withdrawals, internet banking transfers, budget transactions or casino transactions, on which you pay interest from the transaction date.

All transactions in your statement period (total balance as on your statement date) must be paid on the payment due date reflected on your statement to prevent interest accruing on purchases. To change your statement date or payment due date, please call 0861 4 BA 000 (0861 4 22 000).

Yes, you can. British Airways Credit Card has a more secure online shopping experience for you. No upfront registration is required when shopping online at a 3D Secure merchant and there is no username and password to remember anymore. You will now receive an SMS with a One-Time Password (OTP) that will be valid for one transaction only when shopping at a 3D Secure merchant, protecting your card against fraudulent online use. Should you plan to use your credit card online while abroad, ensure that your cellphone is enabled for roaming.

You will receive monthly statements from the British Airways Credit Card team detailing every transaction made with your card. It’s very important to check these every month. If you need a duplicate statement, you can get one online or by calling 0861 4 BA 000 (0861 4 22 000).

If you notice transactions on your statement that you didn’t make or there are duplicated transactions, you need to let us know within 30 days after your statement date. Call us on 0861 4 BA 000 (0861 4 22 000) or notify us via email at disputes@bacard.co.za.

You will not be able to use your credit card after the expiry date. If your account is in good standing and you meet all standard assessment criteria, we’ll automatically send you a replacement British Airways Credit Card(s) during the month in which your existing credit card(s) expires. When you’ve received the replacement credit card you must destroy the old credit card by cutting up the credit card horizontally through the magnetic stripe and through the chip.

Call British Airways Credit Card team on 0861 4 BA 000 (0861 4 22 000)

Most definitely! The South African Exchange Control Rules and Regulations allow South African residents travelling abroad for business or holiday purposes to use a single discretionary allowance per annum as determined by the South African Reserve Bank from time to time. Clients are advised to make use of travel allowances within the prescribed limits and subject to compliance with all Exchange Control requirements.

A fee is added to cross-border/international transactions for currency conversions.

For an up-to-date pricing guide visit bacard.co.za

You and any secondary cardholder both acknowledge that details of all transactions concluded outside of the Republic of South Africa will be provided by us to the South African Reserve Bank, South African Revenue Service and/or the Financial Intelligence Centre. At the time of this publication the permissible allowance is R1 000 000 per adult, per calendar year and R200 000 per child under the age of 18 years. This allowance is restricted to travel-related expenses and allows you to spend up to the allocated amount using a combination of foreign banknotes, foreign currency, traveller’s cheques or your credit card.

The cost of your air ticket does not form part of the allowance. Please contact the British Airways Credit Card team on 0861 4 BA 000 (0861 4 22 000) if you need to use your cards abroad for any reason other than a short business trip or a holiday, to get guidance on the Exchange Control Rules and Regulations requirements to be met in such instances.

Important note: If you’re temporarily abroad for any reason other than a holiday or short business trip (for example, on a work permit), you may not use your South African-issued credit card(s). Cardholders must present their bankers with a written undertaking to this effect prior to their departure from South Africa, at their nearest International Banking division.

No, in terms of the Lotteries Act No. 57 of 1997, the Gambling Act No. 7 of 2004 and the current Exchange Control Rules and Regulations, South African residents may not participate in lotteries organised abroad or in any internet gambling activities. So, you may not use your card to buy tickets for these lotteries or participate in online (internet) gambling as this is contravening the law.

As a British Airways Credit Cardholder you will earn Avios:

• First spend bonus = 5 000 Avios
• Everyday spend (other than partner spend) = one Avios for every R7,50
• One Avios for every R5,00 on British Airways, Pick n Pay or BP
• Extra 4 000 Avios when you spend R24 000 in the first 3 months
• Even more, you can get priority check-in
  

Spend tier bonuses:

• R50 000 - Lounge access day-pass vouchers and exclusive Club (business class) offer (valid for 6 months) when travelling with British Airways (operated by Comair)
• R100 000 - 10% Avios back on Reward Flight Saver redemption
• R200 000 - Lounge access voucher, plus a companion voucher when travelling with British Airways (operated by Comair)

Find out more about collecting and spending Avios at britishairways.com

Your monthly statement shows the minimum amount you need to pay on your British Airways Credit Card and the date by which you need to pay it. You can also get your outstanding balance at any ATM, via electronic banking, or by calling us on 0861 4 BA 000 (0861 4 22 000). To make it easy and convenient to keep your card repayments up to date, there are three ways you can pay:

Debit order (automatic payment instruction)

This is the safest and easiest way to pay. By signing a debit order, you authorise the British Airways Credit Card team to automatically deduct the required amount from your nominated account.

If you pay by debit order, you can choose to pay:

• The full outstanding amount each month.
• The specified minimum repayment, which is currently 3% of the outstanding balance or R25, plus any repayments required on your budget account (and any arrears on your account).
• A fixed monthly amount – if the fixed monthly amount is more than the outstanding balance, the amount payable will be for the outstanding balance).

To arrange a convenient debit order payment, call 0861 4 BA 000 (0861 4 22 000).